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Refinance & Purchase Auto Loans Starting at 1.99% APR* and No Payments for 90 Days

APR = Annual Percentage Rate dependent on underwriting conditions, refinanced loans from other institutions only*

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  • Overview
    • Rates starting as low as 1.99% APR*
    • No payments for 90 days
    • No application fees
    • Easy payment options, flexible terms up to 84 months
    • Automatic payment options and no pre-payment penalties

    Your Financial First Responders

    Our goal is to put you in the best possible financial position so you can keep providing for your loved ones. When you bring your auto loan from another financial institution or buy a new vehicle you could qualify for our 1.99% APR* rate

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    Monthly Payment

    Loan Amount
    Term Months

    Tips for getting the best car for you. 

    • Get a low-cost auto loan from People Driven Credit Union
    • Consult CARFAXTM or NADA® for vehicle history and evaluation
    • Have a mechanic inspect the car if possible
    • Add PDCU Mechanical breakdown coverage
    • Don’t buy more car than you can afford or need

    According to Consumer Reports®

    “Choose a credit union for a car loan because those institutions often offer the lowest rates.” Another good reason to join People Driven Credit Union: The Best Low Cost Auto Loans.

    • Available on new or pre-owned cars
    • Auto financing up to 84 months
    • Repayment options tailored for you
    • Pre-approvals are valid for 60 days
    • Save on a refinance even if you have just closed on a loan

    The people at the Warren Branch are the Best!

    David - Member since 1978
  • Rates


    Here 4 You Auto Loan

    Rates Effective as of: 05-26-2020
    Max Term Term Rate (APR)
    Up to 36 Months As low as 1.99%
    37 to 48 Months As low as 1.99%
    49 to 60 Months As low as 1.99%

    2011 or older vehicles add 2% APR
    APR=Annual Percentage Rate

  • FAQs

    Frequently Asked Questions

    People Driven finances motor homes, campers, boats, motorcycles, ATVs and snowmobiles!
    You may also give us a call at 248-263-4100 to speak with the loan department!

    Yes!  All eligible loans can be skipped once per the calendar year for a fee of $25.

    Fresh Start Auto Loans, Lines of Credit, Mortgages Commercial Loans and Credit Cards are excluded.

    Skip a Payment
    1. To make a payment via online banking with funds already in your account, please log in and select ‘transfers’. From there please select where you want to transfer from and which loan you would transfer to.
    2. Log into iTalk (telephone teller) and make your payment. Option 3 for payments.
    3. To make a payment with a debit/credit card please (248) 263-4100.
    4. Set up an auto-transfer from your People Driven account or attach an auto payment to your direct deposit that comes into your account. Give us a call at (248) 263-4100 or stop by any of our 5 branches.
    5. Have us set up an auto-payment from your other financial institution. Please give us a call at (248) 263-4100 and we can send you proper form or you may stop by any of our 5 branches.
    6. You may also mail in a check payable to;  People Driven Credit Union 24333 Lahser Rd, Southfield, MI 48033
    GAP (Guaranteed Asset Protection) covers the difference between the cash value of your vehicle and the balance owing in the event the car is deemed a total loss, up to 125% LTV. GAP is a $475 one time fee that can be rolled into the loan or paid in cash. GAP also provides a $1000 credit towards the next vehicle you finance through PDCU and unlimited auto deductible claims for up to five years up to $500 per claim for any vehicle you own and insure.
    GAP insurance is offered during the auto loan process.  Please call us at (248) 263-4100 for more information.

The Best Used Car Loan can be found at People Driven Credit Union. 

*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal.

New Auto Loans: Loan rate applicable to new vehicles only. New vehicles, where you are the original owner and the untitled vehicle is a current (2020 or 2019) or prior model year (2018). Up to 125% financing is available. Vehicle weight restrictions apply. The minimum loan amount is 15,000 for 61-72 month term. The rate also depends on the term.

Used Auto Loans: Maximum used car loan advance will be determined by People Driven Credit Union using a NADA value. Financing is available up to NADA average retail value plus tags, title, taxes and extended warranties not to exceed 125%. Some restrictions apply. Call 248-263-4100 for details.

Refinance Auto Loans: New vehicles, where you are the original owner and the vehicle is a current (2020) and prior model year (2019). For used vehicles, the maximum used car loan advance will be determined by People Driven Credit Union using a NADA value. Up to 125% financing is available to qualified members. People Driven Credit Union does not permit internal refinances of an existing People Driven Credit Union auto loan.

Auto must meet People Driven Credit Union’s guidelines. Rate and term may differ based upon your credit history. Rates are subject to change and vary based on the loan term, vehicle model year, and your credit history. Offer good only for loans financed at other financial institutions. Offer may be withdrawn. All rates, terms, and conditions are subject to change without notice. Some restrictions may apply.

The rate of 1.99% APR applies to new and used 2014-2020 vehicles only with terms of up to 60 months. Interest accrues from the date of loan disbursement. “No Payments For 90 Days” offer good on 2014-2020 models for members who have a credit score greater than or equal to 640. The minimum loan amount for this offer is $5,000.

Payment example: $26,500 loan at 5.29% APR for 60 months, monthly payments (included first payment after 90 days) of approximately $508.08 each. Please contact People Driven Credit Union for full disclosures. Must qualify for a loan under People Driven Credit Union’s guidelines, including age (minimum 18 years of age) and value of the auto. No down payment required depending on the terms of the loan. The rate you qualify to receive may vary depending on individual credit history, length of the term, and age of the vehicle. Offer may be withdrawn. All rates, terms, and conditions are subject to change without notice. Some restrictions may apply. Other restrictions including vehicle and mileage limitations may apply.

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